Union Bank of India
COLABA NAVY NAGAR - MUMBAI BRANCH
Understanding IFSC Code: The Digital DNA of Union Bank of India
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the COLABA NAVY NAGAR - MUMBAI
branch of Union Bank of India, the code UBIN0536628 ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the UBIN0536628 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"UBIN" represents Union Bank of India
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for COLABA NAVY NAGAR - MUMBAI
Payment Systems Supported by UBIN0536628
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code—400026053—is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The Union Bank of India in MUMBAI typically follows the RBI holiday calendar. Digital transfers via UBIN0536628 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While UBIN0536628 is the valid code for COLABA NAVY NAGAR - MUMBAI at MUMBAI, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
- • Union Bank of India Branch List
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Financial Tools
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Branch Context
- • COLABA NAVY NAGAR - MUMBAI Contact
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- • MICR Code Finder
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Platform Links
- • Anand Design DevBox
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